Pinnacle Investment Management, Inc. is a comprehensive investment management and financial planning firm committed to the financial future of our clients.

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Our Advantages

Investment Management

Pinnacle Investment Management
Greystone Court
573 Hopmeadow Street
Simsbury, CT 06070
Phone: 860.651.1716

Investment Management


Pinnacle manages globally diversified investment portfolios tailored to each client’s individual financial goals as well as to their degree of comfort with fluctuations in the investment markets in both a tax efficient and cost efficient manner.

Investments are held in insured accounts in each individual client’s name at a discount brokerage firm such as Charles Schwab & Co. and / or TD Ameritrade. These custodians provide on-line access as well as monthly reporting. Pinnacle provides quarterly reports, including reports on the performance of the account.

The minimum account size of a Discretionary Investment Management client is $500,000 of assets under management.  For purposes of determining whether a client meets this minimum, Pinnacle considers the combined total of accounts for all family members at the same residence.

Our fees are based solely upon the value of the account and we do not accept payment or commissions from any mutual fund or investment manager.

Investment options available to us include: individual securities, actively managed no-load mutual funds, exchange traded funds (ETF’s), passive “asset class” funds, separately managed accounts, CD’s, and no-load variable annuities. We can utilize a combination of these investments, and select an approach for each client which we feel offers the best possibility of achieving their investment objectives


Our Core Investment Beliefs

Investing is both art and science, however there are a few aspects of investing that are widely accepted:

  • Each investor is unique, and each has different financial goals and risk
    tolerance. It is important that our clients’ portfolio be one which will
    help them achieve their financial goals while not subjecting them to an
    uncomfortable level of risk.
  • Diversification is important, and in today’s world, that means
    diversification globally and across many asset classes. Diversification
    reduces the likelihood that an investment portfolio will have a significant
    loss if anything goes awry with one company, market sector or asset class.
  • Investment managers who invest their own money the same way that they
    invest their clients’ funds have much greater credibility. This is a
    principle we follow and we prefer to invest with managers who share and
    follow this principle.
  • High bond yields, high stock dividends, and dazzling stock returns do
    not come without increased risk.
  • The stock market goes through cycles. It is human nature to extrapolate
    both rising markets and falling markets and imagine the trend will continue
    indefinitely. This causes many investors to buy high and sell low, resulting
    in low returns. The best results are achieved by following Warren Buffet’s
    advice to buy when others are fearful and sell when others are greedy, which
    requires both patience and the courage not to follow the crowd.
  • Undervalued stocks have historically out-performed growth stocks over
    longer periods of time
  • Stocks of small companies have historically out-performed stocks of
    large companies over longer periods of time, but with greater volatility
  • Unless a mutual fund or separate account manager has a very extensive
    track record, it is statistically difficult to identify in advance who will
    out perform the market over time. We believe (but can offer no guarantees)
    that we can improve the potential of identifying top managers by learning as
    much as possible about the manager, their team and investment process and by
    ruling out managers with poor records and those who charge very high fees.
  • Even good investment managers who do out-perform the market over a long
    time, have periods of under-performance.
  • Periodic rebalancing of portfolios by selling investments after they
    have gone up and buying other investments which may have gone down can
    improve returns of investment portfolios.
  • Costs are an important consideration. Of course the objective is not
    necessarily to minimize costs, but rather to maximize risk adjusted return
    after all expenses.
  • Taxes are an important factor in investing and can have a significant
    impact on overall returns. Deferring taxes will help increase returns as
    long as pre-tax returns are not sacrificed to do so. A prudent goal is not
    necessarily to minimize taxes, but rather to provide good risk adjusted
    after- tax returns. Sometimes this may mean taking gains and paying taxes in
    order to earn a higher return in an alternative investment.
  • There are many investment options available to investors today. Open and
    closed-end mutual funds, exchange traded funds (ETF’s) individual
    securities, and separately managed accounts. None are perfect for every
    situation. Each offers its own advantages and disadvantages. We have the
    ability to choose the best approach for each investor’s situation and can
    mix and match any of these options.